Travel Insurance

Transcription

1 Blue ERV Retail Travel Insurance Health Notice If You or any person who is travelling has a pre-existing Medical Condition then You must declare that condition to Health Check Please do not Curtail any Trip or incur inpatient medical expenses without first contacting the Emergency Assistance Service Voted Best travel Insurance Product 2012 BY IrIsH travel trade Blue Insurances limited is regulated by the Central Bank of Ireland

2 Travel Insurance Policy Schedule Section/Description Premier Cover Limit Excess (per Insured Person) (per Insured Person) A. Cancellation or Curtailment Charges Up to m4,000 m90 (Loss of deposit m20) B. Emergency Medical and Other Expenses* Up to m6,500,000 m90 Including Emergency Assistance Services C. Hospital Benefit* m600 (m25 per day) N/A D. Personal Accident* Maximum Benefit m40,000 N/A Loss of Limbs or Sight (Aged 18 to 65yrs) m40,000 Permanent Total Disablement (Aged 18 to 65yrs) m40,000 Death Benefit (Aged 18 to 65yrs) m6,500 Death Benefit (Under 18yrs or over 65yrs) m3,000 All Benefits (Under 18yrs or over 65yrs) m3,000 E. Baggage, Baggage Delay & Passport* Up to m2,000 m90 Single Article Limit m200 Valuables Limit in Total Up to m200 Delayed Baggage (at least 24hrs) Up to m180 (m60 per day) N/A Replacement of Passport Up to m250 N/A Emergency Passport Travel Up to m250 N/A F. Personal Money and Documents Up to m650 m90 Cash Limit m200 Travel Documents/Tickets Up to m250 G. Personal Liability* Up to m2,500,000 m300 H1. Delayed Departure m25 for first 12hrs (m13 each N/A 12 hrs thereafter up to m300) H2. Holiday Abandonment Up to m4,000 (after 24hrs) m90 I. Hijack Up to m650 (m65 per day) N/A J. Missed Departure Up to m650 m90 K. Catastrophe Up to m1,200 m90 L. Scheduled Airline Failure & Insolvency Cover m4,000 N/A M. Overseas Legal Expenses and Assistance Up to m20,000 m300 N. Government Travel Advice (14 days) Up to m500 N/A O. Pet Care Cover Up to m300 N/A P. Strike Up to m200 N/A Q. Tropical Diseases Screening & Treatment Up to m200 m90 R. Personal Travel Assistance Included N/A Winter Sports (Available upon payment of additional premium) (per Insured Person) (per Insured Person) S1. Ski Equipment* Owned Up to m650 m90 Hired Up to m400 Single Article Limit m200 S2. Hire of Ski Equipment* m250 (m25 per day) N/A S3. Ski Pack* m400 (m95 per day) N/A S4. Piste Closure* m250 (m30 per day) N/A S5. Avalanche Closure* Up to m250 m90 Travel Disruption (Available upon payment of additional premium) (per Insured Person) (per Insured Person) T1. Extended Cancellation Up to m1,000 m90 T2. Extended Delayed Departure m20 for first 12hrs (m10 each N/A 12 hrs thereafter up to m200) T3. Extended Holiday Abandonment Up to m1,000 m90 T4. Extended Missed Departure Up to m500 m90 T5. Accommodation Up to m1,000 m90 Optional Extras (Available upon payment of additional premium) (per Insured Person) (per Insured Person) U. Flight Disruption Up to m750 m90 V. Cruise Connection Up to m750 m90 W. Wedding/Civil Partnership Up to m1,000 m90 Single Article or Set of Articles Limit m250 X. Business Equipment Up to m1,000 m90 Y. Golf Equipment Up to m1,000 m90 Single Article or Set of Articles Limit m150 Z. Exam Failure N/A * You are not covered under sections, B, C, D, G and S for Winter Sports activities unless an additional premium has been paid and shown on the validation certificate. 2

3 Travel Insurance Policy Schedule Section/Description Backpacker Cover Limit Excess (per Insured Person) (per Insured Person) A. Cancellation or Curtailment Charges Up to m2,000 m100 (Loss of deposit m20) B. Emergency Medical and Other Expenses* Up to m3,000,000 m100 Including Emergency Assistance Services C. Hospital Benefit* m200 (m20 per day) N/A D. Personal Accident* Maximum Benefit m38,000 N/A Loss of Limbs or Sight (Aged 18 to 49yrs) m10,000 Permanent Total Disablement (Aged 18 to 49yrs) m38,000 Death Benefit (Aged 18 to 49yrs) m6,500 Death Benefit (Under 18yrs) m3,000 All Benefits (Under 18yrs) m3,000 E. Baggage, Baggage Delay & Passport* Up to m1,200 m100 Single Article Limit m150 Valuables Limit in Total Up to m200 Delayed Baggage (at least 24hrs) Up to m150 (m50 per day) N/A Replacement of Passport Up to m250 N/A Emergency Passport Travel Up to m250 N/A F. Personal Money and Documents Up to m350 m100 Cash Limit m200 Travel Documents/Tickets Up to m250 G. Personal Liability* Up to m2,000,000 m300 H1. Delayed Departure N/A H2. Holiday Abandonment Up to m2,000 (after 24hrs) m100 I. Hijack Up to m650 (m65 per day) N/A J. Missed Departure Up to m500 m100 K. Catastrophe Up to m1,200 m100 L. Scheduled Airline Failure & Insolvency Cover N/A M. Overseas Legal Expenses and Assistance Up to m10,000 m300 N. Government Travel Advice (14 days) N/A O. Pet Care Cover N/A P. Strike Up to m200 N/A Q. Tropical Diseases Screening & Treatment N/A R. Personal Travel Assistance N/A Winter Sports (Available upon payment of additional premium) (per Insured Person) (per Insured Person) S1. Ski Equipment* Owned Up to m650 m100 Hired Up to m400 Single Article Limit m200 S2. Hire of Ski Equipment* m250 (m25 per day) N/A S3. Ski Pack* m400 (m95 per day) N/A S4. Piste Closure* m250 (m30 per day) N/A S5. Avalanche Closure* Up to m250 m100 Travel Disruption (Available upon payment of additional premium) (per Insured Person) (per Insured Person) T1. Extended Cancellation N/A T2. Extended Delayed Departure N/A T3. Extended Holiday Abandonment N/A T4. Extended Missed Departure N/A T5. Accommodation N/A Optional Extras (Available upon payment of additional premium) (per Insured Person) (per Insured Person) U. Flight Disruption N/A V. Cruise Connection N/A W. Wedding/Civil Partnership N/A Single Article or Set of Articles Limit N/A X. Business Equipment N/A Y. Golf Equipment N/A Single Article or Set of Articles Limit N/A Z. Exam Failure Up to m500 m100 * You are not covered under sections, B, C, D, G and S for Winter Sports activities unless an additional premium has been paid and shown on the validation certificate. 3

4 Index 02/03 Policy Schedule 04 Index 05 Introduction 06/07 Definitions Important Conditions Relating to Health 11 Emergency and Medical Service 11 Reciprocal Health Agreements Sports and Activities 14 General Conditions Applicable to All Sections of the Policy 15 General Exclusions Applicable to All Sections of the Policy The Insurance 16 Section A Cancellation or Curtailment Charges 16/17 Section B Emergency Medical and Other Expenses 17/18 Section C Hospital Benefit 18 Section D Personal Accident 18/19 Section E Baggage, Baggage Delay and Passport 19 Section F Personal Money and Documents 20 Section G Personal Liability 20/21 Section H1 Delayed Departure 20/21 Section H2 Holiday Abandonment 21 Section I Hijack 21 Section J Missed Departure 21 Section K Catastrophe 21/22 Section L Scheduled Airline Failure & Insolvency Cover 22/23 Section M Overseas Legal Expenses and Assistance 23 Section N Government Travel Advice 23 Section O Pet Care Cover 23/24 Section P Strike 24 Section Q Tropical Diseases Screening & Treatment 24/25 Section R Personal Travel Assistance Additional Cover 25 Section S1 Ski Equipment 26 Section S2 Hire of Ski Equipment 26 Section S3 Ski Pack 26 Section S4 Piste Closure 27 Section S5 Avalanche Closure Optional Extras Section T Travel Disruption 29/30 Section U Flight Disruption 30 Section V Cruise Connection 30/31 Section W Wedding/Civil Partnership 31/32 Section X Business Equipment 33 Section Y Golf Equipment 32 Section Z Exam Failure Backpacker Cover Only 33 Claims Procedure 34 Complaints Procedure 4

5 Introduction This is Your travel insurance policy. It contains details of cover, conditions and exclusions relating to each Insured Person and is the basis on which all claims will be settled. It is validated by the issue of the validation certificate which must be attached to the policy. In return for having accepted Your premium We will in the event of Bodily Injury, death, illness, disease, loss, theft, damage or other events happening within the Period of Insurance provide insurance in accordance with the operative sections of Your policy as referred to in Your validation certificate. Monies due to You under the policy shall be payable in the State. The validation certificate and any endorsements are all part of the policy. Your policy is evidence of the contract of insurance. Arranged by This exclusive travel insurance has been organised by Blue Insurances Limited. Plaza 212, Blanchardstown Corporate Park, Blanchardstown, Dublin 15 Blue Insurances Limited is regulated by the Central Bank of Ireland. Financial Services Compensation Scheme (FSCS) We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event We cannot meet Our obligations to You. This depends on the type of insurance, size of the business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS ( Master Certificate Number This evidence of insurance is to confirm that those persons who have paid the appropriate premium are insured under the Master Certificate number ETI/BI/ERV/2013 issued to Blue Insurances. Period of Cover This document only constitutes a valid evidence of insurance when it is issued in conjunction with a validation certificate/invoice issued between and and for holidays or journeys commencing up to Residency This policy is only available to You if You are permanently resident in Ireland and have been for the past six months prior to the date of issue. The Law Applicable to this Contract You and We can choose the law which applies to this Policy. We propose that the law of Republic of Ireland applies. Unless We and You agree otherwise the law of Republic of Ireland will apply to this Policy. Underwriter Europäische Reiseversicherung A.G. Munich, Germany trading as ERV is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN - in Germany and is regulated by the Central Bank of Ireland for conduct of business rules. Section M: Overseas Legal Expenses is underwritten by DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol BS1 6NH Type of Insurance and Cover Travel insurance for single Trips Please refer to Your validation certificate for Your selected cover. Some Winter Sports may also be included upon payment of an appropriate additional premium Your validation certificate will show if You have selected this option. Exam failure cover may also be included upon payment of an appropriate additional premium Your validation certificate will show if You have selected this option. Policy Excess Under most sections of the policy, claims will be subject to an Excess. This means that You will be responsible for paying the first part of each claim, per section, for each separate incident, payable for each Insured Person, unless the additional premium has been paid to waive the Excess as shown in the validation certificate. Stamp Duty The appropriate stamp duty has been or will be paid by Us to the Revenue Commissioner in accordance with the provisions of the composition agreement entered into with them under section 5 of the Stamp Duties Consolidation Act All monies which may become due or payable by Us shall be payable from Our offices in the United Kingdom to You at the address You have notified to Us in Ireland. Territorial Limits Area 1 The United Kingdom, Channel Islands, Isle of Man and the Republic of Ireland Area 2 The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, Iceland, the Azores, Mediterranean Islands and non-european countries bordering the Mediterranean (except Algeria, Lebanon, Libya, and Albania) Area 3 Australia/New Zealand Area 4 Worldwide including the Caribbean but excluding The United States of America, Canada, Alaska and Hawaii Area 5 Worldwide including The United States of America, Canada, Alaska, Hawaii and the Caribbean 5

6 Definitions Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this policy. For ease of reading the definitions are highlighted by the use of bold print and will start with a capital letter. Appointed Representative: the Preferred Law Firm, law firm or other suitably qualified person which we will appoint to act on your behalf. Baggage: means luggage, clothing, personal effects, Valuables and other articles which belong to You (or for which You are legally responsible) which are worn, used or carried by You during any Trip excluding Ski Equipment and Personal Money. Bodily Injury: means an identifiable physical injury sustained by You due to a sudden, unexpected, external and specific event. Injury as a result of Your unavoidable exposure to the elements shall be deemed to have been caused by bodily injury. Cancellation Period: means the 14 days following the date the policy is received as new business or the 14 days from the renewal date. Close Business Associate: means any person whose absence from business for one or more complete days at the same time as Your absence prevents the proper continuation of that business. Close Relative: means mother, father, sister, brother, wife, husband, civil partner, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, aunt, uncle, niece, nephew, step parent, step child, step sister, step brother, foster child, legal guardian, next of kin, fiancé/fiancée or partner (any couple, including same-sex, in a common law relationship or who have co-habited for at least 6 months). Costs and Expenses: a) All reasonable and necessary costs charged by your Appointed Representative and agreed by us in accordance with our Standard Terms of Appointment. b) The costs incurred by opponents in civil cases if you have been ordered to pay them, or you pay them with our agreement. Curtailment/Curtail: means either: a) abandoning or cutting short the Trip by immediate direct early return to Ireland or the United Kingdom in which case claims will be calculated from the day You returned to Ireland or the United Kingdom and based on the number of complete days of Your Trip You have not used, or b) by attending a hospital abroad as an in patient or being confined to Your accommodation abroad due to compulsory quarantine or on the orders of a Medical Practitioner, in either case for a period in excess of 48 hours. Claims will be calculated from the day You were admitted to hospital or confined to Your accommodation and based on the number of complete days for which You were hospitalised, quarantined or confined to Your accommodation. Cyber-terrorism: the use of disruptive activities, or the threat thereof, against computers and/or networks, with the intention to cause real-world harm or severe disruption of infrastructure. DAS/we/our/us: DAS Legal Expenses Insurance Company Limited. Excess: where applicable the Excess is the first amount of each claim, per section, for each separate incident, payable for each Insured Person. Family Cover: means up to two adults and any number of their children, step children or foster children aged under 19 (or under 24yrs if living at Home and in full time education), accompanying the parents or legal guardian insured on the same policy travelling on any Trip to the same destination. Under annual multitrip cover each adult is also insured to travel on their own. Each Insured Person under 16 is also insured to travel independently from their parents provided each child is accompanied by a responsible adult 18 years or over. Each Insured Person aged between 16 and 17 are only insured to travel independently from their parents provided each child is travelling on an organised school or college Trip only with a responsible adult 18 years or over. Home: means normal place of residence in Ireland. Incidental: means happening on a casual or occasional basis. Ireland/Irl: means the Republic of Ireland. Insured Incident: a specific or sudden accident during an Insured Journey which causes your death or bodily injury. Medical Condition: means any disease, illness or injury. Medical Practitioner: means a registered practising member of the medical profession recognised by the law of the country where they are practising, who is not related to You or any person who You are travelling with. Period of Insurance: means if annual multi trip cover is selected: the period for which We have accepted the premium as stated in the validation certificate. During this period any Trip not exceeding 60 days is covered. Winter Sports cover is limited to 21 days in total in each Period of Insurance (if You have paid the appropriate Winter Sports premium to include this cover). Under these policies Section A Cancellation Cover shall be operative from the start date this insurance is effected by You or at the time of booking any Trip (whichever is the later) and terminates on commencement of any Trip. means if Single Trip cover is selected: the period of the Trip and terminating upon its completion, but not in any case exceeding the period shown in the validation certificate. Under these policies Section A Cancellation Cover shall be operative from the time You pay the premium and evidence of insurance is issued and will cease upon departure of Your Trip or in the event of a cancellation claim on Your policy all remaining cover will cease for the planned Trip. means if Backpacker cover is selected: the period of the Trip and terminating upon its completion, but not in any case exceeding the period shown in the validation certificate. Under these policies Section A Cancellation Cover shall be operative from the time You pay the premium and evidence of insurance is issued and will cease upon departure of Your Trip or in the event of a cancellation claim on Your policy all remaining cover will cease for the planned Trip. This policy also entitles You to a maximum of two return visits to Your Home before Your intended return date (as specified on Your validation certificate) for up to a maximum duration of 14 days excluding any return for which a claim is being made as a result of Emergency Medical, Repatriation or Curtailment. Cover is 6

7 suspended from the time You arrive at Your departure point to Your Home and starts again when You exit the airport at Your overseas destination. During this period no cover is provided by the policy. For all policy types; All other sections of the policy, whichever cover is selected, the insurance commences when You leave Your Home or in respect of a Business Trip Your place of business in Ireland or the UK (whichever is the later) to commence the Trip and terminates at the time of Your return to Your Home or place of business in Ireland or the UK (whichever is the earlier) on completion of the Trip. Any Trip that had already begun when You purchased this insurance will not be covered, except where You renew an existing annual multi trip policy which fell due for renewal during the Trip. The Period of Insurance is automatically extended for the period of the delay in the event that Your return to Ireland or the UK is unavoidably delayed due to an event insured by this policy. means if one way Trip cover is selected: the period of a single outward Trip (max 7 days) and terminating upon its completion, but not in any case exceeding 24 hours after the time You first leave the immigration control of Your final destination country. Under these policies Section A Cancellation Cover shall be operative from the time You pay the premium and evidence of insurance is issued and will cease upon departure of Your Trip or in the event of a cancellation claim on Your policy all remaining cover will cease for the planned Trip. All other sections of the policy, the insurance commences when You leave Your Home to commence the Trip and terminates 24 hours after the time You first leave the immigration control of Your final destination country. Personal Money: means bank notes currency notes and coins in current use, travellers and other cheques, travel tickets, event and entertainment tickets, money cards and credit/debit or charge cards all held for private purposes. Policy Schedule: means the details of cover as outlined on page 2 and 3 of this document. Preferred Law Firm: a law firm or barristers chambers which we choose to provide legal services. These legal specialists are chosen based on their proven expertise to deal with claims like yours and must comply with our agreed service levels, which we audit regularly. They are appointed according to our Standard Terms of Appointment. Public Transport: means any publicly licensed aircraft, sea vessel, train or coach on which You are booked to travel. Reasonable Prospects: for civil cases, the prospects that you will recover losses or damages (or obtain any other legal remedy that we have agreed to, including an enforcement of judgment), make a successful defence or make a successful appeal or defence of an appeal, must be at least 51%. We, or a Preferred Law Firm on our behalf, will assess whether there are Reasonable Prospects. Single Item: Any one article pair or set of articles (including golf clubs) or collection which are used or worn together. Ski Equipment: means skis (including bindings), ski boots, ski poles, snowboards, snowboard bindings and snowboard boots. Standard Terms of Appointment: the terms and conditions (including the amount we will pay to your Appointed Representative) that apply to the relevant type of claim, which could include a conditional fee agreement (no win, no fee). Terrorism: means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisations(s) or governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. Travelling Companion: means a person(s) with whom You have booked to travel or are travelling with on the same booking invoice and without whom Your travel plans would be impossible. Trip: means any holiday, business or pleasure Trip or journey made by You within the area of travel shown in the validation certificate which begins and ends in Ireland or the UK during the Period of Insurance unless the Trip is a one way Trip or journey as defined under Period of Insurance. If annual multi trip cover is selected any such Trip not exceeding 60 days is covered. In any event Winter Sports cover is limited to 21 days in total in each Period of Insurance (if You have paid the appropriate Winter Sports premium to include this cover). In addition the policy extends to cover trips within Ireland but only in respect of cancellation/curtailment where You have pre-booked at least two nights accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee. Each Trip under annual multi trip cover is deemed to be a separate insurance, each being subject to the terms, definitions, exclusions and conditions contained in this policy. Unattended: means when You are not in full view of and not in a position to prevent unauthorised interference with Your property or vehicle. United Kingdom (UK): means England, Scotland, Wales, Northern Ireland, Isle of Man and the Channel Islands. Valuables: means jewellery, gold, silver, precious metal or precious or semiprecious stone articles, watches, furs, leather goods, cameras, camcorders, photographic, audio, video, computer, game console, television (including CD s, DVD s, tapes, films, cassettes, cartridges and head-phones), computer games and associated equipment, telescopes and binoculars, portable DVD players, ipods, MP3/4 players and portable satellite navigation equipment. We/Us/Our: means ETI International Travel Protection trading address: Albany House, 14 Bishopric, Horsham, RH12 1QN the insurer of Europäische Reiseversicherung A.G., an Ergo Group Company incorporated and regulated under the laws of the Germany, Companies House Registration FC and Branch Registration BR Trading under the name of ERV. Winter Sports: Guided cross country skiing (Nordic skiing), glacier skiing, mono skiing, off piste skiing or snowboarding except in areas designated as unsafe by local resort management unless accompanied by a locally qualified guide, recreational racing, skiing, snowboarding, snowmobiling and snow sledging. You/Your/Insured Person (s): means each person travelling on a Trip whose name appears in the validation certificate. 7

8 Important Conditions Relating to Health Medical Screening Line Opening Hours Monday Friday 9am 8pm Saturday 9am 5pm Sunday 11am 3pm Quoting Reference: Blue KMT Retail Scheme You must comply with the following conditions to have full protection of Your policy. If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment. At the time of taking out this policy: Do You have or have You had any Medical Condition(s) for which You are taking or have taken prescribed medication or are waiting to receive, or have received treatment (including surgery, tests, or investigations) within the last 2 years? If No (including if You have had no Medical Conditions) Please read the conditions below to see if they apply to You. (if none of them apply then Your Medical Condition(s) will be covered) If Yes It is a condition of this policy that You will not be covered under Section A Cancellation or curtailment Charges, Section B Emergency Medical and Other Expenses, Section C - Hospital Benefit, and Section D Personal Accident and Section Y3 - Green Fees for any claims arising directly or indirectly from this Medical Condition(s) unless You contact Us on and We have agreed in writing to cover Your Medical Condition(s). If You have only one Medical Condition and it is one of those shown in the table of NO screen conditions on the following page then this will be covered under the policy without the need to contact Us. In Either Circumstances: It is a condition of this policy that You will not be covered under Section A Cancellation or curtailment Charges, Section B Emergency Medical and Other Expenses, Section C - Hospital Benefit, and Section D Personal Accident and Section Y3 - Green Fees for any claims arising directly or indirectly from: A. At the time of taking out this policy: i) Any Medical Condition for which You or a Close Relative or a Travelling Companion are aware of but have not had a diagnosis. ii) Any Medical Condition for which You or a Close Relative or a Travelling Companion have received a terminal prognosis. iii) Any Medical Condition for which You or a Close Relative or a Travelling Companion are on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home. B. At any time i) Any Medical Condition You have in respect of which a Medical Practitioner has advised You not to travel or would have done so had You sought his/her advice but despite this You still travel. ii) Any surgery, treatment or investigations for which You intend to travel outside of Ireland to receive (including any expenses incurred due to the discovery of other Medical Conditions during and/or complications arising from these procedures). iii) Any Medical Condition for which You are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner. iv) Your travel against any health requirements stipulated by the carrier, their handling agents or any other Public Transport provider. You should also refer to the general exclusions on page 15. Please turn overleaf to see Medical Conditions which do not require screening. 8

9 Automatically Accepted Minor Conditions List (covered as standard provided no more than 5 of these conditions are suffered and that you can meet the warranty above): A Abnormal Smear Test, Achilles Tendon Injury, Acne, Acronyx (Ingrowing Toe-nail), Adenoids, Allergic Rhinitis, Alopecia, Anal Fissure/Fistula, Appendectomy, Astigmatism, Athlete s Foot (Tinea Pedis), Attention Deficit Hyperactivity Disorder B Bell s Palsy (Facial Paralysis), Benign Prostatic Enlargement, Bladder Infection (no ongoing treatment, no hospital admissions), Blepharitis, Blindness, Blocked Tear Ducts, Breast Fibroadenoma, Breast Cyst(s), Breast Enlargement/ Reduction, Broken Bones (other than head or spine) - (no longer in plaster), Bunion (Hallux Valgus), Bursitis, C Caesarean Section, Candidiasis (oral or vaginal), Carpal Tunnel Syndrome, Cartilage Injury, Cataracts, Cervical Erosion, Cervicitis, Chalazion, Chicken Pox (fully resolved), Cholecystectomy, Chronic fatigue syndrome (if only symptom is fatigue and no hospital admissions), Coeliac Disease, Cold Sore (Herpes Simplex), Common Cold(s), Conjunctivitis, Constipation, Corneal Graft, Cosmetic Surgery, Cyst Breast, Cyst Testicular, Cystitis (no ongoing treatment, no hospital admissions), Cystocele (fully recovered, no hospital admissions), D D & C, Deaf Mutism, Deafness, Dental Surgery, Dermatitis (no hospital admissions or consultations), Deviated Nasal Septum, Diarrhoea and/or Vomiting (resolved), Dilatation and Curettage, Dislocations (no joint replacement or hospital admissions), Dry Eye Syndrome, Dyspepsia, E Ear Infections (resolved must be all clear prior to travel if flying), Eczema (no hospital admissions or consultations), Endocervical Polyp, Endocervicitis, Endometrial Polyp, Epididymitis, Epiphora (Watery Eye), Epispadias, Epistaxis (Nosebleed), Erythema Nodosum, Essential Tremor F Facial Neuritis (Trigeminal Neuralgia), Facial Paralysis (Bell s Palsy), Femoral Hernia, Fibroadenoma, Fibroid Uterine, Fibromyalgia, Fibromyositis, Fibrositis, Frozen Shoulder G Gall Bladder Removal, Ganglion, Glandular Fever (full recovery made), Glaucoma, Glue Ear (resolved must be all clear prior to travel if flying), Goitre, Gout, Grave s Disease, Grommet(s) inserted (Glue Ear), Gynaecomastia H Haematoma (external), H a e m o r r h o i d e c t o m y, Haemorrhoids (Piles), Hallux Valgus (Bunion), Hammer Toe, Hay Fever, Hernia (not Hiatus), Herpes Simplex (Cold Sore), Herpes Zoster (Shingles), Hip Replacement (no subsequent arthritis and never any dislocation of a joint replacement), Hives (Nettle Rash), Housemaid s Knee (Bursitis), HRT (Hormone Replacement Therapy), Hyperthyroidism (Overactive Thyroid), Hypospadias, Hypothyroidism (Underactive Thyroid), Hysterectomy (provided no malignancy) I Impetigo, Indigestion, Influenza (full recovery made), Ingrowing Toe-nail (Acronyx), Inguinal Hernia, Insomnia, Intercostal Neuralgia (no admissions), Intertrigo, Irritable Bowel Syndrome (IBS) (provided definite diagnosis made and no ongoing investigations) K Keinboeck s Disease, Keratoconus, Knee Injury Collateral/ cruciate ligaments, Knee Replacement (no subsequent arthritis and never any dislocation of a joint replacement), Kohlers Disease L Labyrinthitis, Laryngitis, Learning Difficulties, Leptothrix, Leucoderma, Lichen Planus, Ligaments (injury), Lipoma M Macular Degeneration, Mastitis, Mastoidectomy (resolved must be all clear prior to travel if flying), Menopause, Menorrhagia, Migraine (provided definite diagnosis made and no ongoing investigations), Miscarriage, Mole(s), Molluscum Contagiosum, Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue and no hospital admissions), Myxoedema N Nasal Infection, Nasal Polyp(s), Nettle Rash (Hives), Neuralgia (no hospital admissions), Nosebleed(s), Nystagmus O Osgood-schlatter s Disease, Osteochondritis, Otosclerosis, Overactive Thyroid P Parametritis, Pediculosis, Pelvic Inflammatory Disease, Photodermatosis, Piles, Pityriasis Rosea, Post Viral Fatigue Syndrome (if the only symptom is fatigue and no hospital admissions), Pregnancy (provided no complications), Prickly Heat, Prolapsed Uterus (womb), Pruritis, Psoriasis (no hospital admissions or consultations) R Repetitive Strain Injury, Retinitis Pigmentosa, Rhinitis (Allergic), Rosacea, Ruptured Tendons S Salpingo-oophoritis, Scabies, Scalp Ringworm (Tinea Capitis), Scheuermann s Disease (provided no respiratory issues), Sebaceous Cyst, Shingles (Herpes Zoster), Sinusitis, Skin Ringworm (Tinea Corporis), Sleep Apnoea (no machine used to assist breathing), Sore Throat, Sprains, Stigmatism, Stomach Bug (resolved), Strabismus (Squint), Stress Incontinence (no urinary infections) T Talipes (Club Foot), Tendon Injury, Tennis Elbow, Tenosynovitis, Termination of Pregnancy, Testicles Epididymitis, Testicles Hydrocele, Testicles Varicocele, Testicular Cyst, Testicular Torsion (Twisted Testicle), Throat Infection(s), Thrush, Thyroid Overactive, Thyroid Deficiency, Tinea Capitis (Scalp Ringworm), Tinea Corporis (Skin Ringworm), Tinea Pedis (Athlete s Foot), Tinnitus, Tonsillitis, Tooth Extraction, Toothache, Torn Ligament, Torticollis (Wry Neck), Trichomycosis, Trigeminal Neuralgia, Turner s Syndrome, Twisted Testicle U Umbilical Hernia, Underactive Thyroid, Undescended Testicle,Urethritis (fully recovered, no hospital admissions), URTI (Upper Respiratory Tract infection) (resolved, no further treatment), Urticaria, Uterine Polyp(s), Uterine Prolapse V Varicocele, Varicose Veins - legs only, never any ulcers or cellulitis (if GP has confirmed that client is fit to travel), Vasectomy, Verruca, Vitiligo W Warts (benign, non-genital), Womb Prolapse (uterus), Wry Neck (Torticollis). 9

10 In addition to any Medical Condition on our Automatically Accepted Minor conditions list, You may be automatically accepted for cover, provided You do NOT have more than ONE of the following Medical Conditions and You must NOT have ANY other Pre-existing Medical Condition. Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis, Reiter s Syndrome, Rheumatism): There must have been NO hospital admissions within the last 12 months. Must NOT affect the back more than any other area of the body. No more than 2 medications. No mobility aids (other than walking stick or frame). There must have been NO dislocations of any joint replacements. Must NOT be awaiting surgery. Must have NO lung problems/respiratory disorders. Asthma (Wheezing): There must have been NO hospital admissions EVER. Must have been diagnosed prior to age 50. Must be controlled with no more than 2 medications (NO nebuliser, NO home oxygen). Must have been a non-smoker for at least 12 months. Must always be able to walk 200 yards on the flat without becoming short of breath. Diabetes Mellitus (Sugar Diabetes): Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only. Controlled by diet alone or by no more than 1 medication (no Insulin). There must have been NO hospital admissions or diabetic complications EVER. Must have been a non-smoker for at least 12 months. Hypercholesterolaemia (High/Raised Cholesterol): No more than 1 medication. Must NOT be the inherited (genetic) form. Must have been a non-smoker for at least 12 months. Hypertension (High Blood Pressure, White Coat Syndrome): No more than 2 medications. There must have been no change in treatment within the last 6 months. Must have been a non-smoker for at least 12 months. Hypotension (Low Blood Pressure): Must NOT be associated with any underlying condition. Osteoporosis (Osteopaenia, Fragile Bones): There must have been no broken bones within the last 5 years. There must have been NO vertebral (backbone) fractures. RELATING TO THE HEALTH OF NON-TRAVELLERS This insurance policy excludes cover for any claims arising directly or indirectly from a Pre-Existing Medical Condition (unless shown in the Automatically Accepted Minor Conditions list) of any person on whom travel depends unless the person s doctor can state that, at the date of policy purchase or Trip booking (whichever is later) he/she would have seen no substantial likelihood of the patient s condition deteriorating to such a degree to cause a necessary cancellation or Curtailment claim. If the doctor will not confirm this, any claim arising from a Pre-Existing Medical Condition will be excluded. All claims arising from a terminal prognosis, any set of symptoms where a diagnosis has not been made and any Medical Condition for which a non-traveller is on a waiting list for or has knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home at the time the policy is purchased or the Trip is booked (whichever is later) are automatically excluded. 10

11 Emergency and Medical Service Contact the Emergency Assistance Service on Quoting Reference: Blue KMT Retail Scheme In the event of Your Bodily Injury or Illness which may lead to in-patient hospital treatment or before any arrangements are made for repatriation or in the event of Curtailment necessitating Your early return to Your Home area You must contact the Emergency Assistance Service. The service is available to You and operates 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses. If this is not possible because the condition requires immediate emergency treatment You must contact the Emergency Assistance Service as soon as possible. Private medical treatment is not covered unless authorised specifically by the Emergency Assistance Service. Medical Assistance Abroad The Emergency Assistance Service has the medical expertise, contacts and facilities to help should You be injured in an accident or fall ill. The Emergency Assistance Service will also arrange transport to Your Home area when this is considered to be medically necessary or when You have notice of serious illness or death of a Close Relative at home. Payment for Medical Treatment Abroad If You are admitted to a hospital/clinic while abroad, the Emergency Assistance Service will arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic. To take advantage of this benefit someone must contact the Emergency Assistance Service for You as soon as possible. Outpatient Treatment If You need outpatient medical treatment, please provide a copy of Your validation certificate to the doctor and Your treatment will be paid for by HealthWatch S.A in line with Your policy. You will need to pay any Excess at the time of treatment. Note: Some clinics may not wish to settle their bill directly with Us and You may be asked to pay for Your treatment and claim this back upon Your return. Instructions to Outpatient Clinics Please send details of the treatment provided, costs after the Excess deduction and a copy of the patients validation certificate to your local Euro Center (refer to for addresses). Reciprocal Health Agreements If You are an Irish resident You are entitled to health care through the public system in countries of the European union (EU), European Economic Area (EEA) and Switzerland if You become ill or injured while on a temporary stay there. If You are travelling to another EU /EEA country or Switzerland, We strongly recommend You apply for and obtain a European Health Insurance Card for yourself and/or family and make sure that any medical treatment is provided at hospitals or by doctors working within the terms of the reciprocal health care agreement, unless the Emergency Assistance Service agree otherwise. If You are admitted to a private clinic You may be transferred to a public hospital as soon as the transfer can be arranged safely. If You are travelling to Great Britain or Northern Ireland You do not require a European Health Insurance Card to obtain the necessary healthcare but need to provide proof that You are ordinarily resident in Ireland (in practice this means a driving license, passport or similar document). If You are currently a VHI, Laya Healthcare or Aviva member You must notify the relevant private medical insurance assistance company at the time of claiming as per contact details below. VHI Assistance: Tel VHI Assistance USA : Tel Laya Healthcare Assistance: Tel Aviva Assistance: Tel Australia If You require medical treatment in Australia You must enrol with a local MEDICARE office. You do not need to enrol on arrival but You must do this after the first occasion You receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Details of how to enrol and the free treatment available can be obtained by the Australian Embassy in Ireland by contacting or If You are visiting Australia on a Student Visa You are not covered by MEDICARE. Alternatively please call the Emergency Assistance Service for guidance. If You are admitted to hospital contact must be made with the Emergency Assistance Service as soon as possible and their authority obtained in respect of any treatment NOT available under MEDICARE. 11

12 Sports and Activities Sports and Activities: Grade 1 No Additional Charge You are covered under the Section B Emergency Medical Expenses and Section D Personal Accident Sections for the following activities automatically, provided that the activity is on an Incidental basis You do not need to contact Your issuing agent. Archery Badminton Baseball Basketball Beach Games Bungee Jump (1) Camel/Elephant Riding+ Canoeing (Grade 1 3) Life jacket and helmet must be worn Clay Pigeon Shooting+ Cricket Cycling (excluding Mountain Biking) wearing a helmet Dinghy Sailing+ Fell Walking Fencing Fishing Flying as a fare paying passenger in a fully licensed passenger carrying aircraft Football GAA Football Golf Hiking (under 2,000 metres altitude) Hockey Horse Riding (up to 7 days, no Polo, Hunting, Jumping) wearing a helmet Ice Skating (Rink) Jet Boating + Jet Skiing+ Jogging Kayaking (Grades 1 to 3) Life jacket and helmet must be worn Manual Work (bar and restaurant work, amateur musicians and singers, chalet maids, au pair/ nanny, retail work, fruit picking and occasional light manual work at ground level but excluding the use of power tools or machinery)**+ Marathon Running Motorcycling up to 125cc (with the appropriate Irish motorcycle licence, wearing a crash helmet, no racing) + Netball Non manual work (Including professional administrative or clerical duties only) Orienteering Paintballing + Parascending/Parasailing (over water) Pony Trekking wearing a helmet Quad biking up to 50cc (wearing a crash helmet, no racing)+ Racquetball Rambling River Canoeing (Up to Grade 3) Life jacket and helmet must be worn Roller Skating Roller Blading Rounders Rowing Running sprint/long distance Safari (Irl/UK organised) Sail Boarding Sailing within territorial waters + Scuba Diving* down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor (see notes below) Skate Boarding Snorkelling Squash Surfing (under 14 days) Tennis Tour Operator Safari Track Events Trekking (under 2,000 metres altitude) Volleyball War Games + (with eye protection) Water Polo Water Skiing White Water Rafting (Grades 1 to 3) Windsurfing Yachting (racing/crewing inside territorial waters)+ * Scuba diving scuba diving to the following depths. Provided You are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone: PADI Open Water 18 metres PADI Advanced Open Water 30 metres* BSAC Ocean Diver 20 metres BSAC Sports Diver 30 metres* BSAC Dive Leader 30 metres* We must agree with any equivalent qualification. If You do not hold a qualification, We will only cover You to dive to a depth of 18 metres. You will not be covered under this policy if You travel by air within 24 hours after participating in Scuba Diving. * For the purposes of diving under Sports and Activities: Grade 1. ** Please see paragraph 7. in the general exclusions applicable to all sections of the policy for details of manual work which cannot be covered under this policy. + Cover under Section G - Personal Liability for those sports and activities marked with a + is excluded. 12

13 Sports and Activities Sports and Activities: Grade 2 50% Loading to cover all activities or 30 per activity You can be covered under Section B Emergency Medical Expenses and Section D Personal Accident sections for the following activities provided that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate. Medical Excess increased to 320 Personal Accident Sum insured reduced by 50% Personal Liability Cover is Excluded Boxing Training (no contact) Bungee Jump (up to 3 additional) Black Water Rafting (Grade 1 to 4) Life jacket and Helmet must be worn Camel/Elephant Riding/ Trekking (non Incidental) Cycle Touring Go Karting wearing a helmet Horse Riding wearing a helmet (no Polo, Hunting, Jumping) Hot Air Ballooning organised pleasure rides Abseiling American Football Canoeing (Grade 4) Life jacket and Helmet must be worn Gliding Kayaking (Grade 4) Life jacket and Helmet must be worn Motorcycling over 125cc only (non Incidental) Hurling Jet Skiing (non Incidental) Martial Arts (Training only) Mountain Biking wearing a helmet Parascending/Parasailing (over water, non Incidental) Rambling/Trekking between 2,001m and 4,200m Safari (non-irl/uk organised) Scuba Diving* (non Incidental/down to 50m (with the appropriate Irish motorcycle licence, wearing a crash helmet, no racing) Paragliding Rambling/Trekking between 4,201m and 6,000m (professionally organised Trips with experienced operators, if qualified and not diving alone or accompanied by a qualified instructor (see notes below) Sea Canoeing Life jacket and Helmet must be worn Sea Fishing (non Incidental) Surfing Tandem Skydive (up to 2 jumps maximum) Triathlon White Water Rafting (Grade 4) Life jacket and Helmet must be worn Waterskiing/Windsurfing/ Snorkelling (non Incidental) * Scuba diving scuba diving to the following depths. Provided You are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone: PADI Open Water 18 metres PADI Advanced Open Water 30 metres BSAC Ocean Diver 20 metres BSAC Sports Diver 35 metres* BSAC Dive Leader 50 metres* We must agree with any equivalent qualification. If You do not hold a qualification, We will only cover You to dive to a depth of 18 metres. You will not be covered under this policy if You travel by air within 24 hours after participating in Scuba Diving. * For the purposes of diving under Sports and Activities: Grade 2. Sports and Activities: Grade 3 100% Loading to cover all activities or 75 per activity You can be covered under Section B Emergency Medical Expenses and Section D Personal Accident sections for the following activities provided that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate. Medical Excess increased to 650 Personal Accident Sum insured reduced by 50% Personal Liability Cover is Excluded maximum age 45 years) Rugby Sand Yachting Yachting (racing/crewing) outside territorial waters Life jacket must be worn Zip Lining/Trekking (safety harness must be worn) 13

14 Sports and Activities Sports and Activities: Grade 4 200% Loading to cover all activities or 100 per activity You can be covered under Section B Emergency Medical Expenses and Section D Personal Accident sections for the following activities provided that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate. Medical Excess increased to 650 Personal Accident Sum insured reduced by 50% Personal Liability Cover is Excluded Canyoning Hang Gliding High Diving under 5m (excluding cliff diving) Horse Jumping wearing a helmet (no Polo, Hunting) Kite Surfing Micro Lighting Parasailing/Parascending (over land, non Incidental) Rock Climbing (under 2,000m) Rock Scrambling (under 4,000m) General Conditions Applicable to All Sections of the Policy You must comply with the following conditions to have the full protection of Your policy. If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment. 1. Dual Insurance If at the time of any incident which results in a claim under this policy, there is another insurance covering the same loss, damage, expense or liability We will not pay more than Our proportional share (not applicable to Section D Personal Accident). Under Section B Medical Expenses In the event of a private health insurance Your private health insurer must pay the first amount as stated in their policy and We will commence cover once that limit has been reached. 2. Reasonable Precautions You must take and cause to be taken all reasonable precautions to avoid injury illness, disease, loss, theft or damage and take and cause to be taken all practicable steps to safe guard Your property from loss or damage and to recover property lost or stolen. 3. Maximum Age Limit Premier Cover - Single Trip 85 years old. - Annual Multi Trip 75 years old. Backpacker - 49 years old. Winter Sports - 65 years old. 4. Statutory Cancellation Rights You may cancel this policy within 14 days of receipt of the policy documents (the Cancellation Period) by writing to the issuing agent at the address shown on Your validation certificate during the Cancellation Period. Any premium already paid will be refunded to You providing You have not travelled and no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred. The policy will be cancelled with effect from its date of issue. Cancellation Outside The Statutory Period You may cancel this policy at any time after the Cancellation Period by writing to the issuing agent at the address shown on Your validation cerificate. If You cancel after the Cancellation Period no premium refund will be made. We reserve the right to cancel the policy by providing 21 days notice by registered post to Your last known address. No refund of premium will be made. Non Payment Of Premiums We reserve the right to cancel this policy immediately in the event of non payment of the premium or in the event that the payment is made by fraudulent use of a credit/debit card or other payment method then the policy automatically becomes null and void. 14

15 General Exclusions Applicable to All Sections of the Policy We will not pay for claims arising directly or indirectly from: 1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under Section B Emergency Medical and Other Expenses and Section D Personal Accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip. 2. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly. 3. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds. 4. Any consequences of Cyber-terrorism including but not limited to the delay or cancellation of flights due to the failure of critical systems. 5. Your pursuit of Winter Sports unless Sections S1 S5 are shown as operative in Your validation certificate and appropriate premium paid. 6. The following Winter Sports activities even if Sections S1 S5 are shown as operative in the validation certificate: Off piste skiing or snowboarding in areas designated as unsafe by local resort management unless accompanied by a locally qualified guide, skiing against local authoritative warning or advice, ski stunting, free-style skiing, ice hockey, bobbing, tobogganing, heli skiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, snowcat skiing, snow carting or the use of bob sleighs, luges or skeletons. 7. Your engagement in or practice of manual work including: hands-on involvement with the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant (other than in a purely managerial/supervisory, sales or administrative capacity. work in connection with a profession, business or trade for example: plumber, electrician, lighting or sound technician, carpenter, painter/decorator or builder. working with wild animals of any kind. work of any other kind except where shown as covered under Sports and Activities: Grade Your engagement in or practice of: flying except as a fare paying passenger in a fullylicensed passenger-carrying aircraft, the use of a motorised vehicle unless a full Republic of Ireland or UK driving licence is held permitting the use of such vehicles in Ireland or the UK, professional entertaining, professional sports, racing (other than on foot), motor rallies and motor competitions. 9. Your participation in or practice of any sport or activity unless: a) Shown as covered without charge in the list on page 12 or b) Shown as operative in Your validation certificate. 10. Your wilfully, self-inflicted injury or illness, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, alcohol abuse, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a Medical Practitioner, but not for the treatment of drug addiction), self-exposure to needless peril (except in an attempt to save human life). 11. Any circumstances You are aware of at the time of taking out this policy that could reasonably be expected to give rise to a claim on this policy. 12. Your own unlawful action or any criminal proceedings against You. 13. Any other loss, damage or additional expense following on from the event for which You are claiming unless We provide cover under this insurance. Examples of such loss, damage or additional expense would be the cost of replacing locks after losing keys, costs incurred in preparing a claim or loss of earnings following Bodily Injury or illness. 14. Operational duties as a member of the Armed Forces (other than claims arising from authorised leave being cancelled due to operational reasons, as provided for under sub section 4. of Section A Cancellation or curtailment Charges. 15. Loss of enjoyment. 16. Your travel to a country or specific area or event to which the Travel Advice Section of the Department of Foreign Affairs* or the World Health Organisation has advised against all or all but essential travel. * Contact details are: 80 St. Stephen s Green, Dublin 2. Telephone: (01) or refer to: 15

16 16 Travel Insurance Policy Section A: Cancellation or Curtailment Charges We will pay You, up to the amount shown in the Policy Schedule, for any irrecoverable unused travel and accommodation costs and other pre-paid charges (including sports, concert and entertainment tickets) which You have paid or are contracted to pay together with any reasonable additional travel expenses incurred if a) cancellation of the Trip is necessary and unavoidable or b) the Trip is Curtailed before completion as a result of any of the following events occurring: 1. The death, Bodily Injury, illness or complications arising as a direct result of pregnancy of: a) You b) Your Travelling Companion c) any person with whom You have arranged to reside temporarily d) Your Close Relative e) Your Close Business Associate 2. Compulsory quarantine, jury service attendance or being called as a witness at a Court of Law of You or Your Travelling Companion. 3. Redundancy (which qualifies for payment under the current Irish redundancy payment legislation and at the time of booking the Trip there was no reason to believe anyone would be made redundant) of You or Your Travelling Companion. 4. You or any person who You are travelling or have arranged to travel with are a member of the Armed Forces, Garda, Police, Fire, Nursing or Ambulance Services or employees of a Government Department and have Your/their authorised leave cancelled or are called up for operational reasons, provided that such cancellation or Curtailment could not reasonably have been expected at the time when You purchased this insurance or at the time of booking any Trip. 5. In the event of Burglary at Your Home within 48 hours of Your departure or the police requesting You to return to Your Home due to serious damage to Your Home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft. 1. You must obtain a medical certificate from a Medical Practitioner and prior approval of the Emergency Assistance Service to confirm the necessity to return Home prior to Curtailment of the Trip due to death, Bodily Injury, illness or complications arising as a direct result of pregnancy. 2. If You fail to notify the travel agent, tour operator or provider of transport/accommodation, at the time it is found necessary to cancel the Trip, the amount We will pay will be limited to the cancellation charges that would have otherwise applied. 3. If You cancel the Trip due to: a) stress, anxiety, depression or any other mental or nervous disorder that You are suffering from You must provide (at Your own expense) a medical certificate from a consultant specialising in the relevant field or b) any other Bodily Injury, illness, disease or complication arising as a direct result of pregnancy, You must provide (at Your own expense) a medical certificate from a Medical Practitioner stating that this necessarily and reasonably prevented You from travelling. What is not Covered 1. The Excess as shown in the Policy Schedule. 2. The cost of recoverable airport charges and levies. 3. Any claims arising directly or indirectly from: a) Redundancy caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the date this insurance is affected by You or the time of booking any Trip (whichever is the earlier). b) Circumstances known to You prior to the date this insurance is effected by You or the time of booking any Trip (whichever is the earlier) which could reasonably have been expected to give rise to cancellation or Curtailment of the Trip. c) Normal pregnancy, without any accompanying Bodily Injury, illness, disease or complication. This section is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event. 4. Travel tickets paid for using any mileage or supermarket reward scheme, for example Air Miles. 5. Accommodation costs paid for using any Timeshare or Holiday Property Bond or other holiday points scheme. 6. Claims arising directly or indirectly as a result of Your failure to comply with the important conditions relating to health shown on pages Your failure to obtain the required passport or visa. 8. Anything mentioned in the general exclusions on page 15. Section B: Emergency Medical and Other Expenses We will pay You, up to the amount shown in the Policy Schedule, for the following expenses which are neccessarily incurred as a result of You suffering unforeseen Bodily Injury, illness, disease, compulsory quarantine or complications as a direct result of pregnancy:

17 1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred outside Ireland and the UK. 2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of m250 incurred outside Ireland and the UK. 3. In the event of Your death outside Ireland and the UK the reasonable additional cost of funeral expenses abroad up to a maximum of m4,000 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your remains to Your Home. 4. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date. This includes, with the prior authorisation of the Emergency Assistance Service, reasonable additional transport or accommodation expenses for a friend, Travelling Companion or Close Relative to remain with You or travel to You from Ireland or the UK or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket. 5. With the prior authorisation of the Emergency Assistance Service, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless the Emergency Assistance Service agree otherwise. 1. You must give notice immediately to the Emergency Assistance Service of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient or before any arrangements are made for Your repatriation. 2. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to Ireland or the UK at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or the Emergency Assistance Service You can be moved safely and/or travel safely to Ireland or the UK to continue treatment. 3. You must claim against Your private health insurer first for any inpatient medical expenses abroad up to Your policy limit. What is not Covered 1. The Excess as shown in the Policy Schedule. 2. Any claims arising directly or indirectly in respect of: a) Costs of telephone calls other than: i) Calls to the Emergency Assistance Service notifying and dealing with the problem for which You are able to provide receipts or other reasonable evidence to show the cost of the calls and the numbers You telephoned ii) Any costs incurred by You when You receive calls on Your mobile telephone from the Emergency Assistance Service for which You are able to provide receipts or other reasonable evidence to show the cost of the calls. b) The cost of taxi fares, other than those for travel to or from hospital relating to Your admission, discharge, attendance for outpatient treatment or appointments or for collection of medication prescribed by the hospital. c) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital. d) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness. e) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and the Emergency Assistance Service can be delayed reasonably until Your return to Ireland or the UK. f) Expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside Ireland or the UK. g) Additional costs arising from single or private room accommodation. h) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by the Emergency Assistance Service. i) Any expenses incurred after You have returned to Ireland or the UK. j) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication. k) Expenses incurred as a result of Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Service it is safe to do so. l) Normal pregnancy, without any accompanying Bodily Injury, illness, disease or complication. This section is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event. 3. Claims arising directly or indirectly as a result of Your failure to comply with the important conditions relating to health shown on pages The cost of private treatment unless authorised specifically by the Emergency Assistance Service. 5. Anything mentioned in the general exclusions on page 15. Section C: Hospital Benefit We will pay You, up to the amount shown in the Policy Schedule, for every complete 24 hours You have to stay in hospital as an in-patient or are confined to Your accommodation due to Your compulsory quarantine on the order of a Medical Practitioner outside Ireland and the UK as a result of Bodily Injury or illness You sustain. We will pay the amount above in addition to any amount payable under Section B Emergency Medical and Other Expenses. This payment is meant to help You pay for additional expenses such as taxi fares and phone calls 17

18 incurred during Your stay in hospital. 1. You must give notice as soon as possible to the Emergency Assistance Service or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient, compulsory quarantine or confinement to Your accommodation on the orders of a Medical Practitioner. What is not Covered 1. Any claims arising directly or indirectly from: a) Any additional period of hospitalisation relating to treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital. b) Hospitalisation relating to any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and the Emergency Assistance Service can be delayed reasonably until Your return to Ireland or the UK. c) Any additional period of hospitalisation relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre. d) Hospitalisation, compulsory quarantine or confinement to Your accommodation on the orders of a Medical Practitioner as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication. e) Any additional period of hospitalisation, compulsory quarantine or confinement to Your accommodation on the orders of a Medical Practitioner following Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Service it is safe to do so. 2. Claims arising directly or indirectly as a result of Your failure to comply with the important conditions relating to health shown in pages Anything mentioned in the general exclusions on page Section D: Personal Accident Special Definitions (which are shown in italics) Loss of limb means loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot. Loss of sight means total and irrecoverable loss of sight which shall be considered as having occurred: a) in both eyes if Your name is added to the NCBI register of Blind Persons on the authority of a fully qualified ophthalmic specialist and b) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen scale. We will pay You the amount shown in the Policy Schedule, if You sustain Bodily Injury which shall solely and independently of any other cause, result within two years in Your death, loss of limb, loss of sight or permanent total disablement. 1. Our Medical Practitioner may examine You as often as they deem necessary in the event of a claim. provisions 1. Benefit is not payable to You: a) Under more than one of the items shown in the Policy Schedule. b) Under Permanent Total Disablement, until one year after the date You sustain Bodily Injury c) Under Permanent Total Disablement, if You are able or may be able to carry out any relevant employment or relevant occupation. 2. The death benefit payment will be paid into the deceased s estate. What is not Covered 1. Claims arising directly or indirectly as a result of Your failure to comply with the important conditions relating to health shown in pages Anything mentioned in the general exclusions on page 15. Section E: Baggage, Baggage Delay and Passport 1. We will pay You up to the amount shown in the Policy Schedule for the accidental loss of, theft of or damage to Baggage. The amount payable will be the value at today s prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage). The maximum We will pay for any Single Item, and in total for Valuables is as shown in the Policy Schedule. 2. We will also pay You up to the amounts shown in the Policy Schedule for: a) Delayed Baggage The emergency replacement of clothing, medication and toiletries if the Baggage is temporarily lost in transit during the outward journey and not returned to You within 24 hours, provided written confirmation is obtained and sent to Us from the carrier, confirming the number of hours the Baggage was delayed. If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section. b1) Replacement of Passport reasonable additional travel and accommodation expenses necessarily incurred outside Ireland or the UK to obtain a replacement of Your lost or stolen passport or visa which has been lost or stolen outside Ireland or the UK. b2) Emergency Passport Travel reasonable additional transport costs if You are unable to make Your pre booked return flight Home following the loss or theft of Your passport within 48

19 hours of Your pre booked return flight Home. 1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and obtain a written report of the loss, theft or attempted theft of all Baggage. A Holiday Representative Report is not sufficient. 2. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain an official report from an appropriate local authority. If Baggage is lost, stolen or damaged whilst in the care of an airline You must: a) obtain a Property Irregularity Report from the airline. b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy). c) retain all travel tickets and tags for submission if a claim is to be made under this policy. 3. Receipts for items lost, stolen or damaged or proof of ownership should be retained as these will help You to substantiate Your claim. What is not Covered 1. The Excess as shown in the Policy Schedule (except claims under subsection 2. a) above). 2. Loss, theft of or damage to Valuables or Your passport left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box. 3. Loss, theft of or damage to Baggage left Unattended at any time or contained in or stolen from an Unattended vehicle: a) overnight between 9pm and 8am (local time) or b) at any time between 8am and 9pm (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view and evidence of forcible and violent entry to the vehicle confirmed by a police report. 4. Loss or damage due to delay, confiscation or detention by customs or other authority. 5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, mobile telephones or telecommunications equipment of any kind, deeds, manuscripts, securities, perishable goods, surfboards/sailboards bicycles, marine equipment or craft or any related equipment or fittings of any kind, Ski Equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage). 6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried. 7. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or Baggage. 8. Claims arising for Personal Money, travel documents and tickets. 9. Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use. 10. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other Items used in connection with Your business, trade, profession or occupation. 11. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown. 12. Anything mentioned in the general exclusions on page 15. Section F: Personal Money and Documents We will pay You, up to the amount shown in the Policy Schedule, for the accidental loss of, theft of or damage to Personal Money and travel documents and tickets (including driving licence and entertainment tickets). 1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and obtain a written report of the loss, theft or attempted theft of all Personal Money, travel documents and tickets. A Holiday Representatives report is not sufficient. 2. Receipts for items lost, stolen or damaged or proof of ownership (including foreign currency exchange receipts showing the amount) should be retained as these will help You to substantiate Your claim. 3. Please retain all travel tickets and tags for submission if a claim is to be made under this policy. What is not Covered 1. The Excess as shown in the Policy Schedule. 2. Loss, theft of or damage to travellers cheques if You have not complied with the issuer s conditions or where the issuer provides a replacement service. 3. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission. 4. Loss, theft of or damage to Personal Money, travel documents and tickets left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box. 5. Loss or damage due to delay, confiscation or detention by customs or other authority. 6. Anything mentioned in the general exclusions on page 15. You may claim only under Section F Personal Money and Documents 19

20 Section G: Personal Liability We will pay up to the amount shown in the Policy Schedule, (inclusive of legal costs and expenses) against any amount You become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental: 1. Bodily Injury death illness or disease to any person who is not in Your employment or who is not a Close Relative, or member of Your household or Travelling Companion. 2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of You, a Close Relative, Travelling Companion, anyone in Your employment or any member of Your household other than any temporary holiday accommodation occupied (but not owned) by You. 1. You must give Us written notice as soon as possible of any incident, which may give rise to a claim. 2. You must forward every letter, writ, summons and process to Us as soon as You receive it. 3. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without Our written consent. 4. We will be entitled if We so desire to take over and conduct in Your name the defence of any claims for indemnity or damages or otherwise against any third party. We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and You shall give Us all necessary information and assistance which We may require. 5. In the event of Your death, Your legal representative(s) will have the protection of this cover provided that such representative(s) comply(ies) with the terms and conditions outlined in this policy. What is Not Covered 1. The Excess as shown in the Policy Schedule. 2. Compensation or legal costs arising directly or indirectly from: a) Liability which has been assumed by You under agreement unless the liability would have attached in the absence of such agreement. b) Pursuit of any business, trade, profession or occupation or the supply of goods or services. c) Ownership possession or use of vehicles aircraft or watercraft (other than surfboards or manually propelled rowboats, punts and canoes). d) The transmission of any communicable disease or virus. e) Ownership or occupation of land or buildings (other than occupation only of any temporary holiday accommodation where We will not pay for the first m300 of each and every claim arising from the same incident). 3. Anything mentioned in the general exclusions on page 15. Section H1/H2: Delayed Departure/Holiday Abandonment If departure of the scheduled Public Transport on which You are booked to travel is delayed at the final departure point from or to Ireland or the United Kingdom for: i) at least 12 hours from the scheduled time of departure in respect of subsection H1 Delayed Departure (see below) due to: or ii) at least 24 hours from the scheduled time of departure in respect of subsection H2 Holiday Abandonment (see below) due to: a) strike or b) industrial action or c) adverse weather conditions or d) mechanical breakdown of or a technical fault occurring in the scheduled Public Transport on which You are booked to travel We will pay You: H1. Delayed Departure The amount shown in the Policy Schedule for the first completed 12 hours delay and an additional amount for each full 12 hours delay thereafter up to the maximum amount shown in the Policy Schedule. H2. Holiday Abandonment Up to the amount shown in the Policy Schedule for any irrecoverable unused travel and accommodation costs and other prepaid charges which You have paid or are contracted to pay if after a minimum 24 hours has elapsed, You choose to cancel Your Trip before departing from Ireland or the United Kingdom. You may claim only under subsection H1. or H2. above for the same event, not both. You may claim only under Section H1 Delayed Departure or Section J Missed Departure for the same event, not both. 1. You must check in according to the itinerary supplied to You. 2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay. 3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport. 4. In the case of a claim under sub section H2 - Holiday Abandonment You must provide Your booking confirmation together with written details from Your travel agent, tour operator or provider of transport/accommodation of the separate costs of transport, accommodation and other pre-paid costs or charges that made up the total cost of the Trip. 20